Saving More, Spending Less | An Update

I recently wrote a post entitled Saving More, Spending Less | Our Plan To Be Debt Free ASAPI thought it was about time to give you an update two months on.

I mentioned I had five debts to pay: my friend, a large utility bill from when we had our water leak, tax credit overpayment and two credit cards. Well, since I wrote that post I managed to get sent another large water bill but I am glad to say both that and the utility bill are completely gone. I have almost finished paying my friend and have been making some headway with the tax credits and credit cards.

So how have I been doing this?

Saving More

I mentioned I would be saving more through three ways: skimming my bank account, using the Chip app and reducing my outgoings. I recently opened a new savings account with Lloyds and set up Save The Change to skim my current account with them. I actually deleted my Chip account this morning as I no longer had a need for it and disconnected all my information – Save The Change now does it all for me. I also managed to reduce my outgoings by cancelling any payments for things that I rarely or no longer used.

Spending Less

I must admit this has been quite hard and I am still partial to the odd coffee shop trip or takeaway but gone are my magazine subscriptions and subscriptions to anything else I don’t use regularly enough. No point wasting money on things I am not using!

Working More

I am so proud to say that this really seems to be working for me. I have a few long term freelance clients and few long term blog clients but am always happy to take on more work if it fits in my schedule. I’ve also branched out into Virtual Assisting; helping bloggers when they really need an extra pair of hands because they are so busy or away on holiday. I still need to do some work on my work website and get promoting the blogger outreach side of what I have to offer but I’m doing well and once bills are paid, debts are going down, down, down!

Hustling, Hustling, Hustling

Finally..how am I getting on with my side hustles? I’m still checking my daily lotteries (my favourites are Free Lucky Lottery, NumberPlateLotto (which I have won on before and been paid THE SAME DAY), The Selfie Lottery, Free Postcode Lottery, Lucky Phone and DOB Lotto. I’m still completing online surveys – I’ve recently scaled down the sites I use but I still use Populus Live, New Vista Live, Panelbase, Opinion Outpost, OpinionBar, Pinecone Research, Prolific Academic and YouGov. Some of these offer an email referral scheme so if you’re interested in signing up to Panelbase or OpinionBar under me, just let me know! I’ve managed to cash out over £150 this year so far – all going towards debt.

Swagbucks has taken over my life again – you can sign up here – I’ve made almost £100 since getting back into it. I’ve also been selling our unwanted items. Facebook and GumTree seem to have gone a bit quiet so I’m now going to try eBay once again. They say the average person has around £4k of stuff in their house that they could sell so I’m definitely going to try and get some of my old stuff shifted.

I’m feeling so positive about the year ahead and I know I can do this -wish me luck!

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Join The Swagbucks Snack Code Extravaganza

I am an SB influencer. This post contains referral links.

Who’s hungry? Swagbucks is having a “Snack” Code Extravaganza to mark the occasion, which is one of the easiest ways to earn SB! What are SB you ask? SB are points you earn on Swagbucks, a website where you can get gift cards for the things you do online – I’ve gotten over £100 of PayPal cash or Amazon vouchers with Swagbucks! These are the best days to start!

It takes place Wednesday, 26 April at 9am GMT and goes until 7pm GMT! All you have to do is look out for the Swag Code notifications, enter the code, and you earn SB (which can be redeemed for gift cards)! There will be 6 Swag Codes throughout the day worth a total of 40 SB!

Look out for the Swag Codes all over Swagbucks!

Sign up here to grab as many Swag Codes as you can and get your first gift card even faster!

April Swago Is Here!

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 Swagbucks has one more bit of April fun – it’s the return of Swago! It’s just like bingo, but in this case you’re filling out squares as you earn points on their site for doing things you already do online.

The best part is that the points you get can be used to get free gift cards to places like Amazon, or PayPal cash!

Fill up your board and then submit your pattern to get even more points – if you can fill in the whole board, you get a 300 SB bonus!

Click here to sign up and get started! If you sign up through my link and earn 300 SB before May 1st, you’ll get a bonus 300 SB!

Join The Swagbucks Egg-Cellent Team Challenge

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Easter is bringing with it another fun team challenge to help you earn SB from Swagbucks! For those of you who don’t know what Swagbucks is, it’s a website where you can earn cash back on everyday tasks you do online like shopping, answering surveys, discovering deals, and watching videos. You can even earn for searching the web!

If you’ve never tried Swagbucks before because you didn’t know where to begin, their Team Challenges are a great way to learn the ropes! Their latest, the “Egg-cellent” Team Challenge, begins Monday, 17 April.


Here’s how you can join the challenge and the site:

1. Click here to join the challenge and be assigned to a team. Pre-registration is going on right now! If you don’t already have an account, you can sign up on this page as well.
2. Starting 17 April at 4pm GMT, in addition to earning SB you’ll contribute points to your teams total as you complete different activities on Swagbucks.
3. Check back on the page often to see the scores and what you’ve contribute so far.

All members who participate and contribute at least 400 points to their team’s total will receive a SB bonus in the form of a SB Swag Up Rebate on their next gift card!
Not only that, but if you earn 300 SB before 1 May, you’ll get a 300 SB bonus (as long as you’ve signed up under me)!

Members of the 1st place team will receive a 40 SB Swag Up Rebate, members of the 2nd place team will receive a 20 SB Swag Up Rebate, members of the 3rd place team will receive a 10 SB Swag Up Rebate. Your SB Swag Up Rebate will be made available on Friday, 21 April and will expire on Sunday, 7 May at 7:59am GMT or 11:59pm PT

My Money Resolutions For The New Tax Year

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With the start of a new tax year comes another wave of resolutions; this time though, they are all money related. As we all take notice that the new financial year has started, we inevitably all decide that this tax year will be the year we save ‘x’ amount, earn ‘x’ amount or simply cut our budget.

I’ve already got plenty of financial resolutions for the financial year ahead. There are so many things you can do to give your finances a refresh – and perhaps even a boost too. But what are they?

Check Your Accounts Properly

How many of us give our bank accounts a brief glance but don’t think to look deeper? You may be missing that payment going out that you thought that you cancelled years ago. It hadn’t been cancelled and you’ve been paying a few pounds every month to it and you didn’t even know – it all adds up and that money would look so much better in your savings account than being spent on something you aren’t even aware of. Locate any such payments and get rid of them for good.

Check to see if you have PPI

So many people are affected by PPI and don’t even realise it. I was just about to check myself a little while back when I received a cheque from a company I had PPI with many years ago. It wasn’t for that much but every little helps – and who knows, you may have lots to come back, especially if you had multiple financial products with PPI that you were mis-sold!

People claiming mis-sold PPI has already seen refunds of over £30 billion so why miss out – check to see if you’ve got PPI and if you are owed anything! Claims have to be submitted by the 29th of August 2019 so there is plenty of time but I’m going to be double checking my own sooner rather than later.

Skim It

This year I am going to take advantage of ‘skimming’ much more. This is where you have an odd amount in your bank e.g £51.52 and you move the £1.52 to your savings account. The amounts are minimal so you don’t really notice but it soon starts to make a nice amount in your savings. My bank account actually offers such a feature so I will definitely be taking advantage of it!

Earn More, Save More

Sounds easy – but it probably isn’t. However I plan to make this tax year my most successful and profitable yet. This means I will be taking a look at the prices I charge for my freelance work and adjusting if I see fit; widening the range of services I have to offer and perhaps even being a bit more proactive about looking for work.

These are just a few of my financial resolutions for this financial year ahead – what have you got planned?